How to Apply

Can I apply over the phone?

• You cannot apply over the phone.

How do I know who accepts PatientFi?

• You can find out which practices partner with PatientFi by exploring our Provider Search Page.

What do I need to apply?

• First, please find your provider on our search website. When you're ready to apply, you'll need a few pieces of personal information: your date of birth, the last four digits of your SSN, your current physical mailing address (just a heads-up, we can't use P.O. Boxes), yearly gross income, and monthly housing cost. Lastly, to ensure a smooth application, kindly remember to lift any credit freezes you might have in place beforehand.

How old do I need to be to apply?

• Applicants must be at least 18 years of age to apply. Residents in Alabama must be 19 years of age to apply.

Does the application impact my credit score?

• Our application involves a soft inquiry that won't impact it, whether you're approved or not.

  Please keep in mind, if you choose to proceed with a loan, the balance and your payment history will be reported to the credit bureaus.

Can I apply with a co-signer?

• Currently, we're unable to accept co-signers or co-borrowers on applications.

  Our application reviews only one credit profile. If you're applying for funds on behalf of someone else, you can designate them as an authorized patient while completing the application.

  Already applied without adding them? Simply call us at (866) 734-5979, and we'll assist you with the update.

I am having issues applying online. Do you have any troubleshooting suggestions?

• Opening a private or incognito browsing window can resolve many application issues. Browsers collect data, history, caches, and cookies that can affect functionality.

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Approval and Next Steps

How do I know if I have been approved?

• Once you apply, you'll instantly know if you're approved and what your spending limit is – it'll be ready to use right away! 

  To use the funds, simply contact your provider for the next steps!

Will I receive a physical card in the mail?

• No, we don't send a physical card; our entire loan process is online.

How do I inform the practice of my approval?

• The practice will be informed of your approval through the online portal. Feel free to provide your account number and ask them to send a transaction when you're ready to proceed with opening the loan.

How do I pick a payment plan?

• You can select your loan payment plan when reviewing and accepting a transaction that your provider has requested through the online portal.

  If you're provider hasn't sent the transaction request yet, you can use the Payment Calculator to preview the available payment options.

Can I use my spending limit with other providers?

• Your approved spending limit can be used with any practice that has a relationship with PatientFi. Explore the Provider Search Page on our website to see what providers accept PatientFi near you.

Can I increase my approval amount?

• An increase can be requested to your approved amount or, "spending limit," every 30 days. This request can be made on your PatientFi Portal.

Does my approval expire?

• Your approved spending limit has an expiration of 120 days.

  Once it expires, you can reapply without negatively impacting credit reporting since we only perform a soft credit inquiry.

Why was my application not approved?

• We consider several factors in a credit profile, including credit score, debt-to-income ratio, payment history, etc.

  You will receive an email within 48 hours with information about the denial reasoning for your application.

Can I appeal the denial?

• A denial cannot be appealed, but you can reapply after 30 days.

  Alternatively, you can have someone like a partner or close family member apply and designate you as the authorized patient. They would be financially responsible for the loan but can authorize you to utilize the funds.

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After I accept my transaction

When is my first payment due?

• Your payment will be due 30 days after accepting a transaction. When you are accepting the transaction, you also are scheduling your payment on the due date to process automatically.

  You can manage and view your payments by logging into your Payment Portal or by calling our billing department at (877) 312-3625

Can I change my payment due date?

• You can change your payment due date once over the lifetime of a fixed-rate loan. However, for "0% if paid in full" (deferred interest) promotional loans, the due date is set by your original contract and can't be changed.

What payment methods does PatientFi accept? 

• We accept debit card or ACH (bank account details) to make a payment. We do not accept prepaid or HSA/FSA cards.

  Payments via check should be mailed to:

  PatientFi

  PO BOX 845073

  Dallas, TX 75284-5073

  To make sure your payment goes to the right place, please include your billing account number and loan ID in the memo of the check.

Can I merge two loans?

• Loans cannot be combined or merged.

  Each new transaction used to fund services will open a new loan. The due date will be set 30 days from the day you accept the transaction.

Are there penalties if I pay off my loan early?

• We do not have any prepayment penalty fees so you can repay your loan early without worrying about any extra fees beyond your current balance.

Are there any discounts for setting up Autopay?

• Yes! We'll automatically apply a 0.25% APR discount as a thank you when using autopay. This applies to the APR on our fixed rate terms and promotional terms (deferred interest).

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My PatientFi Payment Portal

Why doesn't my account number work for registration?

• Once you've accepted your loan, there's a 3-5 day waiting period while it onboards into our payment system. After this, you'll receive your billing account number, which you can use to register a username and password on the online payment portal if you choose to.

  Alternatively, for a passwordless login, once the 3-5 day waiting period is over, you can log into the online payment portal by clicking the “Login with PatientFi" button and using your phone number or email to receive the 4-digit one-time passcode.

How do I make a payment?

• You can start making payments 3-5 days after you accept your loan by logging into your Payment Portal. Click the blue "Login with PatientFi" button and enter your phone number to receive the 4-digit one-time passcode to login.

  Additionally, you first payment is automatically scheduled when you accept the transaction and select the amount you'd like to pay.

How do I view my billing statements?

• You can view your billing statement by logging into your Payment Portal and clicking on:

  Manage Account > Account Documents

  This will give you access to view all billing statements while the loan is serviced by PatientFi.

How do I reset my password?

• Forgot your Password? Just enter your username associated with your PatientFi account, and we'll reset your password.

  alternatively, you can log in to your account using your phone number or email and a 4-digit one-time passcode by clicking the blue "Login with PatientFi" button.

How do I recover my username?

• Forgot your username? We can help you figure it out. You will need to provide us with some information so we can verify your account. An email will be sent to the email address on file and provide further instruction.

  Alternatively, you can log in to your account using your phone number or email and a 4-digit one-time passcode by clicking the blue "Login with PatientFi" button.

How do I keep my personal information secure?

• Your security is important to us. To ensure that your personal information stays safe, we utilize multi-factor authentication. The first time you log into your account from a new device or browser, you'll enter your username and password as usual. Then, you will be asked to enter a unique code that we will send to you via email. Check your email for the access code and enter it when requested. If you have questions or need help logging in, contact us.

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